Is it compulsory to buy contents insurance?
In the Netherlands, it is not mandatory to take out household contents insurance. However, it is advisable to take out contents insurance. This way you know that your valuables are safe. With contents insurance you cover damage to items such as: your bed, closet, sofa, mirror, television and audio equipment. It is important to make an accurate assessment of the new value of all your belongings in your home. For example, if a fire breaks out in your home and you would have to buy everything from scratch, you will be expensive.
How is the new value of contents calculated?
To estimate the new value for your contents, you can use the contents value meter. This gives you a good estimate of the value of your belongings. It also provides a guarantee against underinsurance for a period of 5 years.
How can I compare household insurance policies?
There are many different insurers offering different contents insurance policies. It is difficult to start comparing different insurance policies yourself because not all products are the same in terms of coverage. A higher premium does not mean it is also a better product for you, and a lower premium is not always advantageous either. It depends on your personal and financial situation which coverage is most appropriate for you.
You can choose either standard coverage or comprehensive coverage. It is important to consider what things you want covered. For example, extended coverage also pays for damage caused by intentional acts or omissions. Before taking out new insurance, it is important to read the insurance terms and conditions.
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What if there are specifics?
When you want to apply for a new home contents insurance policy, be sure to report any specifics. These include a CIS registration, or if you have a criminal record. This is because most regular insurers will not accept you if you have these particulars.
However, we always find a suitable solution for you. If you have any of these particularities, we can apply for insurance with De Vereende for you. This insurer has a more flexible acceptance policy and accepts almost everyone. One condition is that you pay the first 3 months in advance.
For a free quote, please contact us at 085 - 029 5175. It is not currently possible to request this quote online.
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